In this edition, WBA Legal provides TRID clarifications and FDIC expectations regarding how owner’s title is to be disclosed on the Loan Estimate when paid by the seller, and who FDIC wants listed on the Closing Disclosure as the government entity charging transfer tax in Wisconsin. Disclosure examples of FDIC’s expectations are included. Also, a Q&A regarding the use of WBA municipal form sets. Summaries of recently published agency rules, guidance, and notices may be found in the “regulatory spotlight” section and be sure to read the “compliance notes” section for other important compliance-related updates, including 2024 list of distressed or underserved nonmetropolitan middle-income geographies for CRA-purposes, and 2023 HMDA mortgage lending data.